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Part of the problem is the way health care insurers operate in protected territories. They remind me of mob bosses dividing up the country. If it were up to me, all insurance companies would offer all products in all states.

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Insurance comapnies are a necessary evil. I had to fight with those assholes everyday when I was a collision repair manager. I had this funny way about me....I liked to fix cars the correct way with the correct parts. On the other hand if it was not for insurance companies we would of had a lot less business. Most people would not of had thier cars fixed. Same is sometimes true with health insurance. The more people that have it, the more will use it. Where will we find all these new doctors?